Processor - Bluffton

Dream Finders Homes•Bluffton, SC

About The Position

The Processor is responsible for processing loan files from submission through submission to closing. The role coordinates processing, processing support, and administrative functions with all departments for assigned teams. The Processor works closely with underwriting, the loan officer or loan officer team, and the Processing Supervisor to complete work promptly and in accordance with operating policies and procedures. The position reports directly to the Processing Supervisor. The Processor reviews and analyzes loan information, coordinates required documentation and third-party information, uses agency loan evaluation systems, and works with underwriting and closing to facilitate efficient, compliant transactions. The role also supports post-closing requests and maintains regular communication with sales, borrowers, and referral sources. Additional related duties may be performed as needed to meet the organization's ongoing needs.

Requirements

Obtain licensing and certifications when requested by management, including examples such as NMLS licensing, bond certifications, and other educational certifications.

Responsibilities

Review and analyze credit, income, assets, and collateral upon receipt of a loan to identify what underwriting needs to make a reasonable credit decision.
Communicate document requirements and conditions to borrowers and referral sources in accordance with corporate communication policies.
Obtain credit supplements, verifications of employment and deposit, fraud-alert clearances, title commitments, transcripts, appraisals, builder documentation, and other third-party information to validate application data.
Use DU, LP, and GUS to evaluate agency-eligible transactions.
Review findings and determine the documentation and supporting information needed for underwriting approval.
Work with underwriting and closing departments to facilitate efficient and compliant transactions.
Respond to post-closing requests for additional documentation or system updates to support timely loan sales.
Conduct weekly pipeline meetings with sales and provide regular communication to support teamwork and customer service.
Obtain licensing and certifications when requested by management, such as NMLS licensing, bond certifications, and other educational certifications.
Process an average of 14 closed loan files per month.
Review initial submissions from sales within 48 hours and provide the borrower with a welcome call and follow-up email.
Submit loans to underwriting within five business days of receipt.
Represent JET with a high level of customer service and professionalism.
Maintain loan-level data and document integrity throughout the processing lifecycle.
Submit closing disclosure requests to closing seven or more business days before closing.
Resubmit loans for CFD or CTC at least six days before closing.